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My mother in law swears by Express and spends a large portion of her money there. She has the Express Store Card and now, looking at the breakdown of it, I can easily understand why she loves it so much. As is the case with store cards, the interest rate is a little high. However, more than making up for it is the fact that the rewards structure is fantastic. You start off with a 15% discount and continue on earning 15 points for every dollar spent. At that rate, you'll easily reach the 2500 points required for a $10 reward. Beyond that, earn 7500 points (which will also happen before you know it when you're going 15 points per dollar) and you'll earn A-List status and be granted even more benefits. If you shop at Express, this is the card you want. Buy yourself some new clothes and before long you'll have some free clothes thanks to your rewards. Just like free food always tastes better, free clothes always look better, right?
Unlike Walmart itself, the Walmart Credit Card actually seems beneficial and user-friendly. The interest rate is relatively high, but not so bad compared to other store cards. The benefits seem relatively straightforward however with a few kinks in there to make things confusing. Basically, you can accumulate points by shopping in store or online, and you immediately save money on your first purchase, again either in store or online. The best benefit of this card, however, is that you are given a free monthly FICO score as long as you enroll in electronic statements online. This is an excellent tool to monitor your credit and to make sure you're either getting on the right track or staying on it. Also, another great benefit is the saving on gas. We all need to fill up our cars and we all know how expensive that gets. Saving five cents per gallon at participating locations will sure add up before too long, especially if you're driving a bigger car.
Like most store cards, the Victoria's Secret Store Card will be excellent for some and absolutely useless for others. If you are someone who shops at Victoria's Secret often, then you should seriously consider applying for this card. Interest rates are nothing special, but the rewards can be quite, well, rewarding. To begin with, you start off with $15 off your first purchase with the card. Then you can accumulate points quite easily to earn more rewards. You are also given a gift for your birthday and for the date on which you opened your account. Besides all of this, you are granted "Angels First" which gives you early access to products and sales. If you find yourself at Victoria's Secret every time you go to the mall, your best bet would be to find this card every time you go into your wallet.
For anyone who spends their time in home improvement stores, whether it be for yourself or for work, this is the card for you. The Lowe's Store Card is much better and more user beneficial than most other store cards I've seen. The consistent 5% off purchases is nice and will really add up to significant savings over the course of the year. The deferred interest offer is also nice in case you want to take on a large project that you can't quite pay for just yet. Interest is fair for a store card, and required credit is essentially anything but Poor. This card is pointless for those who do not shop at Lowe's, of course, but could be the best thing in your toolbelt if you spend a lot of time there anyway.
This Shell Credit Card is better than most other gas station cards you'll come across because it works on the Master Card network. This is useful since a lot of gas cards are store cards and can only be used at gas stations run by the specific brand. With this card, you can certainly use it at Shell, but you can also use it anywhere else you shop and rack up the points. Since we all need to purchase gas, having rewards that help make gas less expensive is always a bonus. The interest rate is a little high, but that's to be expected with a card like this. As long as you're not planning on carrying too much of a balance, and assuming you use or would like to use Shell gasoline, this is a great card to have.
A lot of store cards for gas stations have very limited rewards and huge fees and interest rates. Besides that, they can only be used for that company's gas. The PenFed Platinum Rewards Credit Card is ideal for those of us who are sick of getting almost nothing out of our gas cards. Five points per dollar spent on gas is the highest I've ever seen and doesn't limit you to only one gasoline company. Even more beneficial than that, you can use this card wherever you want! It is on the Visa network so it can be used in plenty of places. Besides the gas rewards, three points per dollar on groceries is also incredible! Use this card for things you'll always have to spend money on anyway- gas, groceries, and so on, and make some money back in the process with the excellent rewards!
You have to pay your balance in full each month, and starting in year two you have to add a $95 annual fee. That's it though. Those are the only bad things about the Ink Bold Business Card. The rewards are phenomenal, and the fees are more than fair. No foreign transaction fee is one of those benefits that you don't appreciate it until you use a card that doesn't have it. This simple lack of a fee can save some business travelers hundreds of dollars a year. So, if you're okay with a card that you have to pay off in full at the end of the month and you can work in an annual fee of nearly a hundred dollars starting in year two, then this could be the card you've been looking for. Such great rewards, take advantage of them!
If you are looking for a prepaid debit card, you won't do much better than the KAIKU Visa Prepaid Card. Terms and conditions are excellent, as this is one of the few prepaid cards I have come across that does not charge countless little fees here and there. With this card, your money is your money and you don't have to give little bits away every time you want to access it. There is no fee when using it as a debit card (PIN) or as a credit card (Signature) and thousands of ATMs nationwide will allow for cash in hand. Even if you cannot get to an in network ATM, the fee of $1.45 is beyond reasonable and much lower than I've seen on other cards.
The Staples Store Card has fairly high interest rates, but it also has an excellent system of rewards. Despite the high interest rates, deferred interest is offered on purchases of $299, which is more than reasonable. I feel like this card would be ideal for a business to use when purchasing necessary supplies. If the balance is paid in full each month, thereby avoiding the high interest, you could quickly rack up many points and earn significant cash back before too long. Overall, this card could be useful for individuals who make purchases at Staples frequently and should be a godsend to small businesses nationwide.
The Valero Gas Card seems to have very very few benefits attached to it. The only one I can think of is the generous grace period provided. Since I don't think that is nearly enough of a benefit to apply for a card, I would have to recommend against this one. For starters, it is a store card so it can only be used at Valero. Furthermore, it has no rewards structure whatsoever, so it really makes no difference to use this card for your fill ups as opposed to any other. Get a card with rewards and use it only at Valero and you suddenly have a much better card than this one.
The Crate and Barrel Store Card is by no means a great card. In fact, there is only one situation in which I can imagine it is really worth applying for this card: if you were about to spend over $999 at a Crate and Barrel store and wanted deferred interest. Otherwise, the reward structure is pretty weak and the interest rates are quite high. If you happen to be in the situation mentioned above, then by all means, open an account and take your time paying things back with the deferred interest benefit. Otherwise, there are far better cards to be found.
This L.L. Bean Credit Card offers great interest rates, no annual fee, and a pretty solid reward structure if you like shopping at L.L. Bean. Like the brand with which it is associated, this card seems reliable and effective. No annual fee is always nice, since you're already paying interest rates on your purchases anyway. The only thing to keep an eye out for with this card is that it does require Good to Excellent credit and that the rewards are mostly useless for those who do not shop at L.L. Bean
If you have excellent credit and often shop at Cabela's (whether online, in store, or by phone) then the Cabela's Credit Card seems ideal for you. The main benefit is that this card is in fact a Visa card, not just a store card, so it can be used anywhere Visa is accepted. There is no annual fee, and the reward structure seems fairly beneficial. Interest rates are not particularly low, but they are not particularly high either. This would be a great card to use whenever you need to shop for anything sold at Cabela's, then pay off the balance at the end of the month and reap the benefits of all of your rewards points!
The Open Sky Secured Credit Card is ideal for those who need to build their credit. If you've had issues with credit in the past and need to work you way back up to a decent score, you can't do much better than this card. Your credit line is set by how much you deposit (from $200 up to $5000) and with several options for funding available, you do not even need a bank account. Also, there is no interest on purchases if paid in full each month, which can be helpful to allow you to build credit without wasting money. Again, this card is useless for those with good credit, but is a wonderful welcome sight for those who need to work their way back to good standing.
The American Express Green Card is an interesting idea, although I am not sure how well it truly works in practice. For starters, it isn't much of a credit card given that the entire balance must be paid in full each month. Granted, that does allow a card holder time to acquire the necessary funds, but not nearly as much as other credit cards would. On the other hand, the rewards offered by this card are truly excellent. Pay with points allows you to pay for virtually everything without spending any money on it, using your accumulated points to finance your entire vacation. The real negative with this card is not the payment in full aspect, however. It is the annual fee. While it is waived for the first year, it shoots up to a steep $95 per year after that. Seems a little expensive for me given that the card does not really function the way others with much fees rates would.
This BankAmericard Travel Rewards Credit Card is one of those credit cards that people who do not qualify point to as the ones they wish they could have. Once you get past the required Excellent credit rating, you're looking at a card with excellent reward potential. For starters, simply spending $500 within 90 days of opening the account will earn you $100 off your next travel purchase. Following that, you'll earn 1.5 points per dollar spent, which as they seem proud to say, truly is 50% more than most other rewards programs I've seen (1 point=1 dollar) Also, if you combine this card with a valid Bank of America account, you'll earn a 10% bonus to the points you've accumulated. So, if you have a Bank of America account already and you like to travel (and you have Excellent credit) this is definitely the card for you!
This Tire Kingdom Store Card is not too exciting, not too flashy, and honestly, likely not too useful for many people. However, for those for whom it is useful, it can be quite a boon to your finances. Anyone who has suddenly needed new tires can attest to the fact that it gets expensive, fast. If you happen to be a family with several cars, tires and tire related maintenance can take up a huge chunk of your budget. If that happens to be the case, applying for this card is certainly a great idea. Qualifying purchases can have no interest for six months, giving you the convenience of paying off the purchase without the hassle of that purchase becoming more expensive each month due to interest.
If you're a frequent traveler, boy is this Expedia Credit Card the card for you! Plenty of point-earning opportunities for spending money on Expedia. You'll need Good to Excellent credit to be able to apply for the card, but once you've been granted the privilege, odds are you'll be thrilled. If you spend $1500 within the first four months of opening the account, you'll receive 10,000 bonus points. What an excellent deal! This is besides the points you'll earn at a rate of 2/$1 if spent on Expedia. My recommendation, if you are able to get this card would be to use it for all vacation and other travel expenses and quickly rack up those points to make your next vacation as close to free as possible. It's always more fun when it's free!
The Citi Secured Master Card Credit Card could be the perfect card for one person and an exceptionally useless card for someone else. This card is meant for those who are trying to build their credit from nothing or for those who are trying to fix their credit and bring it back from the dumps. The card has an annual fee, which I despise, but otherwise the fees and rates are comparable to other credit cards. The huge difference, of course, is the fact that your credit limit on the card is equal to the amount of money deposited in a CD related to the card. This variable limit could be a negative to some, but I feel like it can help someone feel like they're building their credit as they go along. Again, if building credit is what you're looking for, this might be your card. Otherwise, you'd be better served looking elsewhere.
I hate the phrase, but this card really "is what it is." I needed to buy a suit and was rather low on money, so I applied for and got this card simply because it would allow me more time to pay for the suit. Also, there was a promotional deal at the time which allowed me to receive a certain percentage discount (if I remember correctly, it was 15%) This is by no means a frugal card to have, as the interest rates are quite high and the rewards aside from the first purchase I had are not much to be thrilled about. I have heard better things about the Banana Republic/Gap/Old Navy branded Visa cards. If put in a similar position again, I would only get the store card if I knew I could immediately pay it off and just use it for the immediate bonus provided.
Everyone has a cell phone and (almost) everyone has to pay a cell phone bill every month. Annoying, but it has become a part of modern life. The AT&T Credit Card can help ease that burden a bit, if you happen to be an AT&T customer. All AT&T products, and more importantly services, are discounted by 10% for the first year when paid for with the card. After the first year, the promotion drops to 5%, but that is still a solid savings amount when you remember that it's something you'll save each month on your bill and every time you need a phone or accessory. This can also be used for non-mobile phone products and services like home phone, cable TV, and internet. Aside from the discounts, however, there isn't much to this card. Reward structure is a basic $1 for 1 point, and rates are not eye opening one way or the other. A fairly small percentage of card users will benefit from this card, but those that do will likely enjoy it very much and swear by it. Does AT&T get a lot of your money? Then you may want to consider using this card to do it. Otherwise, you're likely better off looking for something that better fits your needs.
The Discover More card seems like a basic card that would be great for first time card users or for those trying to build their credit. It comes with the reliability of the Discover network, as well as slightly lower rates when compared to some other Discover cards. The rewards are nothing to write home about, but they could build up some solid benefits along the way. Having a 5% cash back bonus that changes categories is an interesting concept, but I can certainly see it being a bit frustrating trying to keep track of. Overall, this seems like a card that is for those who want something simple without too many gimmicks and without much to keep track of (aside from the rotating rewards schedule.)
The Sony Card from Capital One would be an excellent card for audiophiles, tech geeks, and really anyone who spends time appreciating different forms of media. It requires excellent credit but charges no annual fee, which in itself can be seen as a benefit. The rates may not be particularly outstanding, but they are fair for a card with the reward power of this magnitude. You can quickly accumulate points with a bonus of 5,000 followed by 5 points for every dollar spend at the Sony Store. Other purchases will only garner one point per dollar, but dining out and movies earn points at three times that rate (three points per dollar spent.) All together, this seems like a card that can be quite beneficial for current and future fans of Sony products. With the Playstation 4 coming out and 3D televisions being welcomed into more and more homes, this Sony Card from Capital One might be the easiest way to save money and be able to afford your new "toys" quickly!
The Hyatt credit card seems like a wonderful card for those who like to travel and prefer to stay in familiar hotels. Hyatt owns properties around the world, so finding a Hyatt hotel should never be a problem, regardless of travel plans. This card requires excellent credit and charges an annual fee beginning the second year, but other than that I believe the benefits far outweigh the costs. Earn free nights easily, even a free one on your cardmember anniversary, simply for keeping your account in good standing. There are no limits to the points you can earn on this account, so if you decide to pay all of your bills with this card, you can easily rack up enough free nights and points to go on an entire vacation without ever having to worry about hotels. The reliability of the Visa network helps to alleviate any worries and confirms that you can use this card around the world if your trips take you in such directions. Overall, for a frequent traveler or someone who wants to become one, this card can lead to many great memories.
The British Airways Visa Signature Card could be an incredibly useful card for the right person. If you are a traveler who often goes overseas, you should take a good long look at this card and realize that you're unlikely to find better benefits anywhere. The benefits become even better the more money you spend. $30,000 charged in one year automatically leads to a free Travel Together ticket that you can use for two years. This is beyond all of the points and miles (called Avios) that you will accumulate from spending on this account. Besides the great rewards, you have the reliability of the Visa network and the added bonus that you will not incur any foreign transaction fees. You can also appreciate the Smart Chip technology that's included in the card. As with many cards of this nature, this British Airways Visa Signature card is not for everyone. Domestic travelers and those who rarely travel at all will not benefit very much from having this account, so be sure to think through your travel plans and history as a part of the decision making process surrounding this card.
The JetBlue Credit Card from American Express is absolutely ideal for those who travel frequently to and from a city with JetBlue service. The rewards are quite specific, but absolutely outstanding for those to whom they apply. Beyond the rewards, you also get the benefit of being on the American Express network and taking advantage of the benefits that come with all American Express accounts. A few negatives for this card include the annual fee which begins to be charged the second year. Another potential negative is the requirement of good to excellent credit in order to be approved for the card. JetBlue does not yet fly out of every domestic airport, but the more their fleet expands, the better this card's benefits will be. If you already know you like to spend your money on travel, whether it be business or pleasure, this card may be a huge boon for you, just make sure that you already have good credit and that you're going to and from a JetBlue-serviced area.
The NFL Credit Card would be excellent for a season ticket holder or someone who attends multiple games per year. For a regular user however, it is an average card at best. The rewards are very much tailored to someone who spends a lot of their time and money on football, whether it be at the stadium or at the store. The rates and fees are nothing special, and as previously stated the rewards are excellent for those who enjoy NFL football, but only mediocre at best for those who do not. If you are thinking about applying for this card, go through your previous statements and make sure you actually spend enough money on NFL tickets and paraphernalia to make this the right card for you. Otherwise, there are many other cards which may serve you better.
If you're planning on buying a car, but you know you have time to save money and make a wise decision, I think the GM Card from Capital One would be an excellent decision. While it may be just an average benefit card for a standard consumer, the fact that rewards go toward GM purchases may actually help consumers save their money and earn whatever they need quicker. 5% on purchases for the first $5000 is great, and the 2% that comes after is still an excellent reward rate. No annual fee is a staple for all of my cards, and this one follows that trend. Overall, not a great credit card for everyone, but potentially an excellent one for many.
I'll admit that I was worried when I heard that ING Direct would be changing to Capital One 360. Not so much because I'd heard bad things about Capital One, but more because I was so happy with ING Direct and I have always been of the mentality that "If it ain't broke..." Anyway, my worries were quickly put to bed and I soon came to notice that there really would be essentially no difference between my "old" account and my "new" one. The transfer was seamless, I actually didn't have to do anything at all except update my bookmark on my computer. The account is still easy to access, the service is spectacular, and the automatic savings plan really comes in handy. Overall, I have had no complaints in the several years that I have used this bank for my savings. That must be a good sign.
This card seems pretty great for a college student just starting out and trying to get some kind of credit rating (ideally, a positive one!) The rewards seem pretty straightforward and the 25% bonus for paying on time could really serve as an added incentive to students to make sure they pay their debts in a timely manner. The no annual fee is something I always look for in a card, which this card offers. If there are so many credit cards out there with no annual fee, why would I pay someone to take my money? I think I can compare this card and its offers pretty well with the card I used the most in college, which was a Miles by Discover card. My card was useful and served its purpose, but I think this Journey Student Rewards from Capital One might have served me even better. While my rewards and overall rates were slightly lower, the reward bonus for this card seems to make the overall rewards potentially better. My card also did not have an annual fee, so they are even in that regard. I have never used a credit card for a cash advance so I do not know how I would compare the two in that regard, but in a general sense, the two cards seem very similar with the Capital One card's reward bonus serving hopefully as an added incentive for students to keep up with their debts and maintain a solid credit score throughout their educational careers.
This is a wonderful store card and likely the only one with which you can buy ALMOST ANYTHING. We all know that Amazon has a little of this, a little of that, and a whole lot of this not to mention a whole lot of that. Now that Amazon Fresh is available in certain cities, being an Amazon Store Card holder becomes even more valuable. Like most store cards, the rates can be a little high, but I think the benefits tend to outweigh this as long as you try to stay mostly within your means. I have only had to contact customer service once, but my experience was as pleasant as it could have been and I was promptly helped and had my issue solved in no time. Highly recommended!
You only ever hear about the bad things that the big bad banks like Bank of America do. Now, while Bank of America has certainly done things that deserve the ire of consumers nationwide, there are also the success stories and the good experiences. I am one of those customers that has never had an issue with Bank of America and has actually had nothing but good experiences along the way. I have had a checking and savings account with Bank of America for about ten years, and while I do not remember the application process well, I do remember it being quite easy and straightforward. I do not pay anything for my checking account as long as I maintain a certain balance, but since this balance is much lower than what I myself ensure I keep as a minimum balance, I have never taken issue with this aspect of my account. Only once have I ever had a real issue with my Bank of America account, and that was when somehow my card was used in Dubai while I was sitting comfortably in a hotel in Los Angeles. I immediately received a phone call from the fraud department and I was asked where I was, to which I replied and was told that my card had been used three times at the Dubai airport. I assured the representative that this was not an authorized use of the card, and she proceeded to tell me that the proper forms would be sent in the mail and I would not be responsible for any of the charges. Easy, painless, and something I was glad to hear, given the situation. Overall, while not many things may stand out as incredible about Bank of America, I have had a very solid relationship with the bank and have no real complaints.
I had an account at University Credit Union when I was a student at the University of Miami as well as when I worked at the Medical Campus. The availability of branches at both campuses was very convenient and the presence of a few ATMs was also quite helpful. Every experience I had with the employees was a positive one – from opening my account to discussing loans and even when I ultimately had to close my account for reasons unrelated to their service. I discussed in detail the prospect of a car loan and the employees were all very patient with me and explained everything to the best of their abilities. I ended up not signing up for the loan because of their help. They were honest with me and told me that the loans they offered at the time might not be the best deals for me given my situation. I appreciated the honestly because I can only imagine that most other financial institutions would have jumped at the opportunity regardless of what would be considered best for me.
I have had Amica as my car insurance provider for a little over a year and so far I have been very happy with everything. I have yet to file a claim, so I cannot comment on that aspect, but the application process was a breeze and I have always had excellent experiences with customer service, both on the phone and via online chat. I contacted them a few months ago in an attempt to add my wife to my plan but I was told that she was ineligible because she had not been a licensed driver for their minimum of three years. However, I spoke with my agent and was able to have them bend the rules for me a bit and allow her to be added to my insurance for the few months before she'd officially been licensed for three years. This flexibility and the desire to help me as a customer really made me realize that I had made the right choice in choosing my car insurance company.